Our clients are our partners in the investing journey. We work with them closely to develop a roadmap that accurately addresses their concerns and leads toward their goals. Their objectives are typically one of the following:
Our capital preservation oriented clients want to keep up their buying power, so their investments need to grow with inflation and maybe a bit more while taking reduced risk. Depending on the time horizons, what defines risk varies greatly from holdings bonds only to a majority of large blue-chip stocks paying dividends completed by a diversified asset class from alternatives to fixed income.
Our income oriented clients need to live from their investments, so they need tax-efficient structures and income producing investments. We build defensive and diversified portfolios to counter market downturn and optimize income and growth. We also work to use the type of registered accounts available to our clients to optimize their taxable income.
This client profile, which is the majority of our clients, is in an accumulation stage and wants portfolio and net worth growth. We invest in a diversified portfolio of stocks, ETFs and some alternatives to achieve their investment objectives. They can ride out the ups and downs of the market knowing they have a medium to long term time horizon and are comfortable with volatility.
The above profiles are the main profiles of clients however some clients have different objectives and want portfolios that match various events in their lives such as a purchase of property, children’s school needs or large windfalls.
We have 4 strategies with our equity portfolios that we run in house although we use funds for clients who would like a more diversified approach.
A diversified basket of Canadian companies, made up primarily of blue chip securities paying back a portfolio of their profits in the form of dividends. We may use non-dividend paying securities although rarely to target specific sectors.
A diversified basket of US companies, made up primarily of blue chip securities paying back a portfolio of their profits in the form of dividends. We may hold non-dividend paying securities but with a small weighting in the portfolio. We may use ETFs to hedge against currency risk.
A diversified basket of companies trading worldwide, made up primarily of blue chip securities paying back a portfolio of their profits in the form of dividends. We may hold non-dividend paying securities but with a small weighting in the portfolio. We may use ETFs to hedge against currency risk or to act as a core to our satellite positions.
A diversified basket of highly liquid ETFs made up of emerging market stocks tracking sectors or geographical regions. We may use external managers where deemed appropriate to optimize our exposures.
We use third party ETFs, external fund managers for the fixed income/alternative leg of our portfolios to counter the volatility in the markets and meet certain needs of our clients.
Careful research and close partnerships are developed with some of the leading and most innovative fixed income firms.